How much is home insurance in Kansas City, KS?

The average cost of homeowners insurance in Kansas City varies depending on the coverage level you choose. Homeowners insurance costs $3,061 per year for dwelling coverage of $200,000 and $4,115 for $300,000 of dwelling coverage.

Below are the average annual and monthly Kansas City home insurance rates for different amounts of dwelling coverage.

Coverage level (Dwelling)Average annual rateAverage monthly rate
$200,000$3,061$255
$300,000$4,115$343
$400,000$5,281$440
$600,000$7,631$636
$1,000,000$12,080$1,007

Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

Home insurance rates in Kansas City by deductible

Home insurance rates in Kansas City vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Kansas City.

DeductibleCompanyAverage annual premiumAverage monthly premium
$1,000Shelter Insurance$2,523$210
$1,000State Farm$3,266$272
$1,000Allstate$3,375$281
$1,000American Family$3,599$300
$1,000Iowa Farm bureau$3,604$300
$1,000Nationwide$6,080$507
$1,000Farmers Insurance$7,735$645
$1,000Nationwide$8,053$671
$500Shelter Insurance$2,816$235
$500Allstate$3,585$299
$500State Farm$3,614$301
$500Iowa Farm bureau$4,334$361
$500Farmers Insurance$8,047$671
$500Nationwide$8,481$707
$2,000Shelter Insurance$2,164$180
$2,000State Farm$2,922$244
$2,000Allstate$3,020$252
$2,000Iowa Farm bureau$3,313$276
$2,000American Family$3,388$282
$2,000Nationwide$5,304$442
$2,000Farmers Insurance$7,383$615
$2,500Shelter Insurance$2,046$171
$2,500State Farm$2,828$236
$2,500Allstate$2,875$240
$2,500Iowa Farm bureau$3,196$266
$2,500American Family$3,331$278
$2,500Nationwide$5,304$442
$2,500Farmers Insurance$7,383$615
$3,000Shelter Insurance$2,046$171
$3,000Allstate$2,746$229
$3,000State Farm$2,762$230
$3,000Iowa Farm bureau$3,002$250
$3,000American Family$3,283$274
$3,000Nationwide$5,195$433
$3,000Farmers Insurance$7,375$615
$4,000Shelter Insurance$1,864$155
$4,000Allstate$2,310$193
$4,000State Farm$2,681$223
$4,000Iowa Farm bureau$3,002$250
$4,000American Family$3,073$256
$4,000Nationwide$4,345$362
$4,000Farmers Insurance$7,136$595
$5,000Shelter Insurance$1,864$155
$5,000Allstate$2,310$193
$5,000Iowa Farm bureau$2,579$215
$5,000State Farm$2,600$217
$5,000American Family$3,073$256
$5,000Nationwide$4,345$362
$5,000Farmers Insurance$7,074$590

Cheapest homeowners insurance companies in Kansas City

According to our analysis, Shelter Insurance is the most affordable home insurance provider in Kansas City, with an average yearly cost of $1,764.

Price is a big factor when choosing home insurance, and costs in Kansas City can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.

The table below lists the cheapest home insurance companies in Kansas City.

CompanyAverage annual cost
Shelter Insurance$1,764
State Farm$2,250
Iowa Farm bureau$2,670
Allstate$2,915
American Family$3,015
Farmers$3,242
Nationwide$4,219

Homeowners insurance cost in Kansas City by credit rating

Insurance companies in Kansas City can use credit information as one of the factors affecting the cost of your policy.

The average home insurance cost for homeowners with an excellent credit score is $2,933; that’s $5,523 less expensive than the average cost of the same insurance for policyholders with a poor credit score. The table below shows the average annual insurance cost for homeowners with different credit levels.

Credit scoreAverage annual cost
Excellent$2,933
Fair$4,671
Good$3,824
Poor$8,456

How can you save on homeowners insurance in Kansas City?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Kansas City is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $635 a year.

“It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies,” says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $158 annually on your home insurance in Kansas City.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $261 a year on average from your insurer.

New home discount

If you buy new construction, you can get a new home discount of $2,272 a year on average in Kansas City.

Methodology

Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.

Compare homeowners insurance rates by city in Kansas